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| Loans to $417,000 with Average to Excellent Credit (Purchase or Refinance) |
| Jumbo Loans over $417,000 |
| TEACHER loan - School administrator loan |
| Fire Fighter / Police Office home loan |
| FHA / VA |
| Investment Property Products |
| 2nd Mortgages & Lines of Credit |
| Reverse Mortgages |
| Commercial Properties |
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Loans to $417,000 with Average to Excellent Credit (Purchase or Refinance)
Finance your new home with as little as 3.5% as your down payment. Are you a Vetern - If yes, you won't need any money for a down payment!
Rest assured all of our financing comes with NO prepayment penalty and your choice of a fixed interest rate loan or other creative financing options.
Term: 30 years
Maximum Amount: $417,000
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Jumbo Loans over $417,000
Jumbo products are our specialty! Fixed and adjustable rates available.
Creative financing to avoid PMI or to reduce 1st mortgage below $417,000 to qualify as a conforming loan.
Interest only programs available along with creative financing options to severally reduce payment so that funds can be used with other financial tools. Ask your loan officer for details!
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TEACHER loan - School administrator loan
One of the borrowers must be a teacher or school administrator in a public or private school. Even if you don't have a high salary or big bank account, we can help you turn your dream of home ownership into a reality. You can have less than perfect credit to use this program. Call us for additional details.
Term: 30 years
Maximum Amount: $417,000
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Fire Fighter / Police Office home loan
Now Fire Fighters / Police Officers can buy a home with only 3.5% as your Down Payment!
Even if you don’t have a high salary or a big bank account, we can help you turn your dream of home ownership into a reality. If you have good credit, our Police Officer Home Loan allows you to finance 96.5% of the value of a home & in some cases receive up to 50% reduction in the price of the house!
Term: 30 years
Maximum Amount: $417,000
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| We created the Fire Fighter Loan Programs after the attacks on September 11th. 343 Fire Fighters and 6 EMS personnel lost their lives in the attacks. This is our way to thank the men and women who put their lives on the line for us each day. For that, WE THANK YOU! |
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FHA / VA
Available for home buyers with less than perfect credit.
3.5% down - this can come from your own funds, in the form of a gift, or use our down payment assistance program.
VA - veterans can purchase a home with $0 down and no private mortgage insurance (PMI)
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Investment Property Products
With all the foreclosures in the market, now is the time to be purchasing investment properties! 80% Investor Purchase. Full income documentation is now required. Fixed and adjustable rates available.
Term: 30 years
Maximum Amount: $417,000
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2nd Mortgages & Lines of Credit
2nd Mortgages are available as fixed loans or lines of credit. Best of all - SOME COME WITH NO CLOSING COSTS!
Term: 15 years
Maximum Amount: $100,000
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Reverse Mortgages
Great for elderly borrowers wanting to stay in their home and use the equity they have accumulated! Borrowers retain full ownership of their home!
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Commercial Properties
We have financing available for apartment homes, commercial buildings, golf courses and for almost any other non-residential property.
Competitive rates and great programs!
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Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $500,000 with closing costs of $10,000. Your actual APR may be different depending upon these factors.
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